Insurance - Car

Free guide to car insurance, from Ethical Consumer.

Free guide to car insurance, from Ethical Consumer.


This is a product guide from Ethical Consumer, the UK's leading alternative consumer organisation. Since 1989 we've been researching and recording the social and environmental records of companies, and making the results available to you in a simple format.

The report covers the major underwriters of car insurance and includes:

  • ethical and environmental ratings for 34 car insurance providers
  • Best Buy recommendations
  • how insurance companies may be contributing to climate change
  • which insurance companies invest in arms companies
  • who are the ethical and green or eco insurance companies
  • which insurance companies are transparent about their investments

 

This product guide is part of a Sector Report on the Insurance Industry.

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Score Ratings

Our ratings are live updated scores from our primary research database. They are based on primary and secondary research across 23 categories - 17 negative categories and 6 positive ones (Company Ethos and Product Sustainability). Find out more about our ethical ratings

 

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The score table shows simple numerical ratings out of 20 for each product. The higher the score, the more ethical the company.

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The Full Scorecard shows the 'black marks' for each product, by each of the 17 negative categories. The bigger the mark, the worse the score. So for example a big black circle under 'Worker Rights' shows that the company making this product has been severely criticised for worker abuses.

Scores start at 14.  A small circle means that half a mark is deducted, a large circle means that a full mark is deducted.

Marks are added in the positive categories of Company Ethos and the five Product Sustainability columns (O,F,E,S,A).  A small circle  means that half a mark is added, a large circle means that a full mark is added.

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Best Buys

as of December 2012


As our ratings are constantly updated, it is possible that company ratings on the score table may have changed since this report was written.

Co-operative Insurance is the stand-out product for car insurance because of its pioneering model to ethically screen the fund into which your insurance premiums are put.

Second choice underwriters – showing some understanding of ethical investment and scoring relatively well on the score table – are Aviva followed by Lloyds of London, Sabre (GoodGirl, Insure2Drive) and Inter Hannover.

Because our score table only covers underwriters and not brokers, to find more options ask a broker or look at Key Facts documents to find out who is underwriting the products that offer you a good deal.

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Car Insurance

 

Eco car insurance

 

There are two eco branded insurance products on the market covered in the table below. Ethical Consumer is not convinced that carbon offsetting is a particularly useful activity. See our article on the subject from May 2007.

We are, though, very impressed with Co-operative Insurance’s introduction of the world’s first ethically screened insurance product.

 

Company Model Eco features
Co-operative Insurance eco insurance Offset: Offsets 20% of your car’s CO2 emissions by investing in projects like rainforest reforestation, energy efficiency and renewable energy resources
   
Responsible repair: Responsible repair network - they make sure that repairers recycle or reuse materials like body panels and plastic parts wherever possible.
   
Screened fund: Ethical screening of your insurance premiums
       
Green Insurance Company (owned by Ageas) Offset: Offsets 1 tonne of your car’s carbon dioxide (CO2) emissions at no extra cost
   
Reduced costs: Cheap UK car insurance for hybrid cars such as the Toyota Prius, Honda Civic, VW Polo Bluemotion or Lexus
 

 

Five Cheapest Brokers

 

Five cheapest quotes from brokers using underwriters on our score table:

  • ESI – £968.18 – AXA
  • Right Choice – £1,614.92 – AXA
  • The Policy shop – £1,789.56 – Inter Hannover
  • Hy-performance – £1802.00 – AXA
  • MORETH>N – £1,938.85 – RSA Insurance plc (MORETH>N)

We looked at moneysupermarket.com to see which brokers used which underwriters. Based on AUDI A3 1798cc, comprehensive cover, male driver aged 32, zero no claims.

 

This buyers' guide is part of a special report on Insurance including buyers' guides to car, home, travel and pet insurance.

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